Pros

Strong online and mobile tools, and many customer service options.
9,000 fee-free ATMs and 2,600 branches in about 20 states and Washington, D.C.

Cons

0.01% APY on savings account; better rates available elsewhere.
$36 overdraft fee can be charged four times daily.

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Overall

3.5

At PNC Bank, the sixth-largest bank in the country by assets, customers can earn a up to $300 sign-up bonus with a checking, short-term savings and long-term savings combo called Virtual Wallet. The trio of products — named Spend, Reserve and Growth, respectively — come with a nice set of online management tools. But the interest rate on savings is low, and it takes effort to avoid monthly fees on the checking account.

 

Ratings methodology | Updated March 7, 2019

Checking

4

Virtual Wallet Spend, one of PNC’s basic checking accounts, has free mobile banking and online bill pay. If you use a non-PNC ATM, the bank may also reimburse some ATM usage fees, depending on where you live, though the ATM machine’s owner could still charge a separate fee.

 

Virtual Wallet Spend has a $7 monthly fee that can be avoided in a few ways, including monthly direct deposits of $500 and average combined balances of $500.

Savings Account
APY
0.01%
Min. balance for APY
$1

at PNC,

Member, FDIC

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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
The mafia has more ethical lending practices.
When customers apply for loans, PNC (Pretty Nasty Crew) steers them into Lines of Credit (advertised at 10% interest) . The customer is actually charged 24.9% interest. My mother ended up paying over $800 in interest in one year on a $2000 loan and she was paying more than minimum payment. People would be safer to obtain a loan from an inner city crime boss.
Overall
Customer service
Poor
Website / app
Fair
Rates
Fair
Fees
Low
Unprofessional & Unorganized
I do not know where to begin about my experience with this bank thus far. My husband and I started a home equality loan with PNC and we have had difficulty communicating with the bank overall from the beginning. When we first opened the loan were told to go sign for it and when we went to the bank the person handling the loan did not know what he was doing and we were there for over two hours. You are given information by one person and then something else by another. I would think they all have the same training, but that must not be the case. Their customer services skills are atrocious. They transfer you from person to person without having the mindset to conduct a warm transfer to inform the next rep what is going on. My husband was told to send a check to several different addresses and when asked about the sent check we were told multiple times it could not be looked up in their system. It has been over a week and still no found check, which was sent twice. No one knows anything at PNC, which is sad because at this point I would never open a bank account with them. In order for you to pay on a loan online you have to have a bank account with them or you are required to mail in payments. Is it not 2109????
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